Kuvhura Muridzi Wepamba neAgency Zvikwereti

Kutenga imba muUnited States chiroto kune vazhinji, asi kufamba-famba kwenzvimbo yembanje kunogona kunzwa kuremerwa. Neraki, AAA Capitalinvestment, Inc., kuburikidza nekugadzirisa kwayo kwemortgage mhinduro sengeAgency Chikwereti, inorerutsa rwendo urwu. Inotsigirwa nehofori dzeindasitiriFannie Maeuye Freddie Mac, anAgency Chikweretiinopa zvikomborero zvisingaenzaniswi, kusanganisiraflexible financinguyemitengo yemakwikwi, zvichiita kuti ive sarudzo yakanakira vatengi vekutanga uye varidzi vedzimba vane ruzivo zvakafanana. Kunyangwe iwe uri kutarisa inotonhorera-yemhuri imba muLos Angeles County kana yemazuva ano condominium, ichi chigadzirwa chechikwereti chinomira pachena senzira yakavimbika yekuva muridzi wemba.

Ibwe rekona reAgency Chikweretizviri zvayoflexible financingzvisarudzo. Kusiyana nezvikwereti zvechinyakare zvakaomarara, chigadzirwa ichi chinoenderana nezvinodiwa zvakasiyana zvevakwereta. Semuenzaniso, AAA LENDINGS inobatanidza iyo Standard Fannie Mae naFreddie Mac Conforming uye Yakakwira Balance Chikwereti Zvirongwa muzvipo zvayo. Izvi zvinoreva kuti vanokwereta vanokwanisa kuwana zvikwereti zvinoenderana nemamiriro avo emari, vangave vari kusarudza chikwereti chinoenderana chakavharwa pamiganho yakajairwa kana chikwereti chepamusoro chemisika yemitengo seLos Angeles. Pamusoro pezvo, zvirongwa zvakaita seHomeReady uye HomePossible zvinopa avo vane mari shoma, zvichipa kuchinjika kwekubhadhara uye kuderedzwa kwemitengo yeinishuwarenzi. Kuchinjika uku kunovimbisa kuti aAgency ChikweretiHaisi saizi imwe-inokodzera-zvese mhinduro asi chishandiso chinogoneka chekuwana muridzi wemba.

Chimwe chinhu chakanyanya kukosha ndeyemitengo yemakwikwikusungirirwa kuAgency Zvikwereti. Mumusika umo mubereko unochinja-chinja, kuwana mwero wakaderera, wakatarwa kunogona kuchengetedza vanokwereta zviuru kweupenyu hwose hwembavha yavo. Sekureva kwaFreddie Mac's Primary Mortgage Market Survey, mitengo yekuenderana nezvikwereti yakagara ichiyevedza, kazhinji ichinyura pazasi peavhareji yemusika. Semuyenzaniso, kutanga kwa2025, makore makumi matatu emari dzemongi dzakatenderedza 6.2%, asi.Agency Zvikweretikazhinji vanopa mareti 0.25% kusvika 0.5% yakaderera nekuda kwekugadzikana kwavo kwakatsigirwa nehurumende. Kukwanisa uku kuchinjisa-mutambo, kunyanya kana kwapetwa neAAA LENDIS 'Hurumende Down Payment Assistance (DPA) zvirongwa zvakaita seHOP80 neHOP120, izvo zvinopa kusvika kumadhora zana kana makumi masere neshanu emadhora, zvichiteerana, kurerutsa mutengo wepamberi.

Kupfuura mabhenefiti aya,Agency Zvikweretienderana zvisina musono nematanho senge Los Angeles County HOP chirongwa, chakagadzirirwa dzimba dzekutanga munzvimbo dzisina mubatanidzwa kana maguta ari kutora chikamu. Nemutengo wepamusoro wekutenga we $700,000 yeHOP80 kana $850,000 yeHOP120, vatengi vanogona kuwedzeraAgency Chikweretikupa mari zvivakwa zvakaita sedzimba dzemhuri imwe chete, macondos, kana dzimba dzemutaundi. Muripo wakamisikidzwa, 0% chibereko chechipiri chinopihwa neDPA chinowedzera kukwanisika, chinoda kubhadharwa chete kana imba yatengeswa kana pasisina muridzi. Iyi synergy pakatiflexible financinguyemitengo yemakwikwiinovimbisa kuti vanokwereta havasi kungotenga imba - vari kuisa mari mune ramangwana rakagadzikana.

Mienzaniso yepasi rose inosimbisa kukosha kweAgency Zvikwereti. Tora mhuri muLos Angeles County uchitenga $650,000 townhome. Nekubatanidza anAgency ChikweretineHOP80's $100,000 DPA, vanodzikisa manyepo avo ekutanga kusvika pamadhora mazana mashanu nemakumi mashanu, vachiwana mukwikwidzi we5.75% kuburikidza neAAA LENDINGS. Anopfuura makore makumi matatu, izvi zvinovachengetedza pamusoro pemadhora makumi mana ezviuru mubereko zvichienzaniswa neyakajairwa chikwereti pa6.25%. Kuchengeta kwakadaro kunosimbisa chikonzero neiAgency Zvikweretiisarudzo yepamusoro yevatengi vanokoshesa vanotsvaga kuchinjika uye kukosha.

Mukupedzisa, anAgency Chikweretikubva kuAAA Capital Investment, Inc. inopfuura kungotenga imba - isuwo rerusununguko rwemari. Withflexible financingiyo inoenderana nezvido zvako uyemitengo yemakwikwiizvo zvinoramba zvichidhura, chigadzirwa ichi chinopa vatengi simba rekushandura zviroto zvavo zvevaridzi vemba kuti zvive chokwadi. Kunyangwe iwe uri wekutanga-kutenga mutengi kana kukwidziridza kune yakakwirira-chiyero chivakwa, iyoAgency Chikweretiinopa yakangwara, inotengeka mhinduro yakaenderana nemusika wanhasi une simba.